Headway Capital helps qualified business owners in Iowa by offering a flexible line of credit with no hidden fees.

Do I Qualify?

Who Do We Serve?

We provide small business loans to businesses in a wide variety of industries. Some of the most common industries we serve in Iowa are:

  • Construction
  • Professional, Scientific and Technical Services
  • Retail Trade

We consider businesses of all types, and serve business owners by offering a line of credit with flexible repayment options.

How It Works

You can access your line of credit whenever you want through your online account, and when you request money it’s delivered to your bank account by the next business day. This way you can draw the amount you need when you need it — up to your credit limit — and build your business at your own pace.

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    Complete our straightforward application without affecting your credit score.

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    If approved, draw funds whenever you like, up to your credit limit.

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    Pick the flexible repayment schedule that works for you.

Line of Credit Details*

  • The maximum credit limit for Iowa residents is $35,000.
  • The minimum credit limit is $5,000.
  • The minimum first draw amount is $500.
  • Your draws are repayable over a period of 12, 18 or 24 months.
  • Payments will be due on a weekly or monthly basis.
*Your eligibility for a line of credit, and the offer details, are dependent upon your application information.


The interest rate and credit limit you are awarded may vary based on the information provided in your application. Interest does not compound. Draws from your line of credit are subject to a 2% draw fee. If sufficient funds are not present in your bank account at the time of a scheduled payment, your bank may charge you a non-sufficient funds (NSF) fee. There are no hidden fees with a Headway Capital line of credit.


You can repay your outstanding balance at any time without incurring any additional fees. You can make payments simply by logging in to your personal account or calling our customer service team. For more information, visit our FAQ page or give us a call at 866.698.8494.